An employer employs an employee with another permanent position for a certain period. How does this employee need to be insured against accidents?
March 14, 2025
Liability and Insurance Law
An employee who already has another permanent position and is employed by another employer for a certain period must be insured against accidents according to the Federal Act on Accident Insurance (UVG).
According to Art. 1a para. 1 UVG, all employees employed in Switzerland are mandatorily insured. The insurance begins on the day the employment relationship starts or when the right to claim wages arises for the first time, or at the moment the employee heads to work (Art. 3 para. 1 UVG). The insurance ends on the 31st day after the day on which the right to at least half the salary ceases (Art. 3 para. 2 UVG).
Part-time employees whose working hours amount to less than eight hours per week are only insured against occupational accidents (Art. 8 para. 2 UVG). Occupational accidents are those that occur during work on the employer's order or in their interest, during work breaks, or before and after work at the workplace (Art. 7 para. 1 UVG). For part-time employees, accidents on the way to work also count as occupational accidents (Art. 7 para. 2 UVG).
The premiums for the mandatory insurance of occupational accidents and occupational diseases are borne by the employer (Art. 91 para. 1 UVG). The premiums for the mandatory insurance of non-occupational accidents are the responsibility of the employee. The employer deducts the employee's share from the salary (Art. 91 para. 2 and para. 3 UVG).
In summary, the worker must be insured against occupational accidents, and with a workload of more than 8 hours per week, also against non-occupational accidents. The corresponding mandatory insurance is provided by the temporary employer.
Sources